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First Federal Savings Bank

Evansville, IN · Cert 29056 · First Bcorp of Indiana Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

14

Q2 2024Q2 2026peer median (50)

Asset Quality

60

Q2 2024Q2 2026peer median (50)

Profitability

19

Q2 2024Q2 2026peer median (50)

Liquidity

55

Q2 2024Q2 2026peer median

Efficiency

13

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Federal Savings Bank

Evansville, IN · Cert 29056 · First Bcorp of Indiana Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$575.6MAssets
$429.4MLoans
$472.8MDeposits
$53.9MEquity
Loan mix
83%RE $357.8M16%C&I $70.1M1%Consumer $2.7MQ3 2024Q2 2026
Deposit mix
93%Interest-bearing $440.6M7%Noninterest $32.2MQ3 2024Q2 2026

Market Position · Evansville, IN · 2026 SOD (annual) · 2.9% share · #5 of 15 inst. · $0.4B of $13.6B

3.1% Vanderburgh
22.0% Pike
2.7% Daviess
2.2% Warrick

Executive Summary

  • Earnings: ROA of 0.37%, up 14 bps year over year; NIM at 2.97%.
  • Asset quality: problem loans at 0.24% of loans (-18 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.54%, up 59 bps from a year ago.
  • Funding: loans stand at 90.81% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.37%+14 bps YoY

Net Interest Margin (YTD, annualized)

2.97%+39 bps YoY

Efficiency Ratio (YTD, annualized)

89.40%-486 bps YoY

Tier 1 Leverage Ratio

9.54%+59 bps YoY

NIM

4.94%Q2 ’244.93%Q2 ’255.08%Q2 ’26+4%+15%

Non-interest income vs. expense

2.75%Q2 ’242.93%Q2 ’253.17%Q2 ’26+7%+8%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.31%0.32%0.18%0.22%0.29%0.36%0.29%0.37%+14 bps
Return on Equity4.02%4.14%2.26%2.78%3.59%4.37%3.22%4.05%+127 bps
Net Interest Margin2.54%2.54%2.54%2.59%2.63%2.67%2.89%2.97%+39 bps
Efficiency Ratio90.57%90.47%95.77%94.26%91.74%89.68%92.17%89.40%-486 bps
Non-Interest Burden2.23%2.23%2.39%2.38%2.34%2.31%2.59%2.57%+18 bps
Growth
Asset Growth (YoY)0.25%-4.26%-5.07%-4.67%-4.20%-2.81%-4.32%-4.88%-21 bps
Loan Growth (YoY)2.25%-1.71%-4.31%-6.07%-6.18%-3.68%-5.24%-4.87%+121 bps
Deposit Growth (YoY)-4.45%-4.25%2.37%4.89%3.94%3.68%-5.43%-3.82%-872 bps
Asset Quality
Nonperforming Loans / Loans1.60%2.01%1.87%0.42%0.29%0.22%0.33%0.24%-18 bps
Net Charge-Offs / Loans0.02%0.02%0.14%0.11%0.09%0.05%0.00%0.01%-11 bps
Allowance / Loans1.06%1.08%1.09%1.08%1.07%1.09%1.14%1.15%+7 bps
Allowance Coverage of NPLs0.7x0.5x0.6x2.6x3.7x4.9x3.5x4.9x+2.3x
Capital
Tier 1 Leverage Ratio8.36%8.41%8.80%8.95%8.92%8.96%9.38%9.54%+59 bps
Total Risk-Based Capital12.98%13.35%13.52%13.88%14.01%14.26%9.38%9.54%-434 bps
Equity / Assets8.03%7.90%8.12%8.19%8.51%8.87%9.06%9.37%+119 bps
Liquidity & Funding
Loans / Deposits102.01%100.26%94.05%91.81%92.08%93.14%94.24%90.81%-99 bps
Liquid Assets / Assets1.62%2.14%1.89%2.07%2.63%1.86%2.05%1.94%-12 bps
CRE / Total Capitaln/an/an/an/a258%252%245%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Federal Savings Bank

Evansville, IN · Cert 29056 · Peer group: banks under $1B in assets (n=581-629) · First Bcorp of Indiana Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$575.6MAssets
$429.4MLoans
$472.8MDeposits
$53.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 62% of banks under $1B in assets (rank 221 of 581).
  • Widest gap: total risk-based capital ratio trails 94% of banks under $1B in assets (rank 590 of 629).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.38%

Rank 532 of 629

Net Interest Margin

2.97%

Rank 483 of 629

Efficiency Ratio

89.40%

Rank 549 of 629

Equity / Assets

9.37%

Rank 441 of 629

Non-interest income vs. expense

$3.5M$18.4MINCOMEEXPENSE
Unfavorable gap of $14.8M · efficiency ratio beats 13% of banks under $1B in assets
Bank 89.40%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.38%0.60%1.01%1.45%Beats 15%532 / 629
Return on Equity4.01%5.38%9.30%13.28%Beats 18%515 / 629
Net Interest Margin2.97%3.03%3.54%4.05%Beats 23%483 / 629
Efficiency Ratio89.40%58.35%67.79%79.08%Beats 13%549 / 629
Asset Quality
Nonperforming Loans / Loans0.24%0.09%0.46%1.20%Beats 62%221 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 58%247 / 581
Capital
Tier 1 Capital Ratio9.54%11.24%13.84%18.77%Beats 7%588 / 629
Total Risk-Based Capital Ratio9.54%11.58%14.43%19.66%Beats 6%590 / 629
Equity / Assets9.37%9.09%10.65%13.80%Beats 30%441 / 629
Liquidity & Funding
Loans / Deposits90.81%67.24%80.90%93.48%71st pctl173 / 594
Loans / Assets74.60%53.31%67.71%78.15%65th pctl221 / 629
Brokered Deposits / Depositsn/aNot reported for this institution